Why do we fear when we get tax letters?  It may not be as bad as you think if you get a professional advice.  Be calm and show it to a professional and it may be easier than you think.  For our kids we can start early a small  investment  in Roth IRA,  and by the time they retire they will have enough money to retire.  We also had several questions from our listeners.Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=JHSCA4VS8F2NE&source=url)